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American Income Life Insurance CompanyReviews
This profile includes reviews for American Income Life Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
1.4/5 stars
Average of 802 Customer Reviews
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Review fromPamela L
Date: 10/24/2022
1 starPamela L
Date: 10/24/2022
I obtained a ***** of ******** so I could take care of my mothers passing and arrange things ahead of time. I sent the *** to them but it was "misplaced". Eventually after sending it again it was registered and I was able to get info. All they would still give is basic information. Because they were so slow, evasive, and not responsive at all, my mother passed and *** was no longer valid. I was able to call to see if check had been sent to my brother several times and was told no. My mom passed in August. Now in October after calling again, I'm told now they need information for my brother who is listed as executor of the policy. All info they have, and info not relayed to us until almost 3 months later. It fell on me to take care of all the arrangements and to pay for her services. I need to add the amount of the payout was less than $2,000. Because of her age she pays her premiums each month, and they get to reduce her payout each month. This has been an extremely frustrating and drawn out process. It's hard enough to lose a parent without having to jump thru hoops and then be stalled either by being ignored or not informed as to what is needed. I was told to fax death certificate. How hard would it of been to give a full accounting of what other info is needed. I would never do business with this company. I don't like being made to feel like I am being taken advantage of by not being given all the info they wanted.American Income Life Insurance Company
Date: 10/26/2022
******, we're very sorry for the loss of your mother and we send our sincere condolences to you and your family. We'd like to investigate her death claim further but need you to please email us your name, your mother's name, the policy number, the reason for your inquiry, your phone number and the best time to call you to *************. We'll have a supervisor contact you as soon as we've investigated why this claim hasn't been paid. We apologize for the inconvenience this has caused you and your family during this difficult time.Review fromAmber W
Date: 10/24/2022
1 starAmber W
Date: 10/24/2022
******* ************************
Was asked several times not to contact myself or my family, but persisted leaving messages on my phone 3 in a row on a Sunday evening between 7pm-9pm. When I again asked him ti atop harassing me he started talking down to me. Then apologized for startling me. I am not startled by this company, I am ****** off an disgusted that they are using military families for their get rich pyramid scheme. I am disgusted that they harass military families against their request and will not stop calling our family. I am disgusted by their lack of consideration. And they have absolutely no respect for military members or their family. This company is fraudulent and nothing but scammers trying to get your credit card information. **** and his coworkers need to burn in h*** and LEAVE ** ALONE. Waist of human life ****.American Income Life Insurance Company
Date: 10/26/2022
*****, we are so sorry to learn of your experience with AIL and take claims of this nature very seriously. The situation you described is not indicative of the way we do business and we apologize that this was your experience. We invite you to send us an email to ************** with more agency location details and any other relevant information not included in the review so that we can investigate this matter. We're sorry again for the inconvenience this has caused you and look forward to hearing back from you again.Review fromC. K.
Date: 10/22/2022
1 starC. K.
Date: 10/22/2022
Horrible company, I would not recommend at all. They call all the time and bother you with all kinds of nonsense. Everyone is a manager in the company, at least that's what they claim. It's no wonder they have terrible reviews!!!!American Income Life Insurance Company
Date: 10/25/2022
Chuck, thank you for your feedback. We apologize that the interactions you've had with our AIL representatives didn't meet your expectations or ours. We invite you to send us an email to ************** with more agent and/or agency details so that we can take the necessary steps to correct this situation. We apologize for the inconvenience this caused you.Review fromMatthew F
Date: 10/21/2022
1 starMatthew F
Date: 10/21/2022
This company has been avoiding taking my call for a month to cancel services. They were quick to charge my account though.American Income Life Insurance Company
Date: 10/25/2022
*******, we're very sorry that we didn't provide the service that you expect and deserve. This lack of service you experienced is unacceptable to us and if this cancelation issue is still unresolved please email us your name and details of your experience including your name, policy number, and the best number and time to reach you at ************** or call us directly at our AIL Customer Service number **************. We're sorry for the inconvenience this has caused you and look forward to hearing from you soon.Review fromDisabled Gurl
Date: 10/20/2022
5 starsDisabled Gurl
Date: 10/20/2022
I am leaving an honest review from experience. Firstly, I bought this policy from a door-to-door salesperson, the presentation was on point and I was pleased by what was offered. About a year in my husband and I were reading through the reviews and were saddened by what we read, it was concerning and we thought about canceling due to negative reviews, not anything the company actually did.
We held on for another few months just discussing it and then my husband was injured at work. The first few phone calls to AIL were concerning, different people gave different info and it was confusing. We were unhappy with the fact that the automated system seems to just disconnect after being on hold for a while was infuriating.
But my husband with all his patience kept calling until he reached someone who was both knowledgeable and helpful, our claim was accepted and money was received. What we learned, this isn't a scam but new agents can make it seem so. The claim process was actually painless, there is only 1 form.
Most people don't read the policy until something happens, ours was very straightforward and easy to read through, and the benefits are clearly laid out. I feel that we made the right decision and wanted to share our experience with others who may be having trouble navigating the system.
Don't be intimidated. This was really helpful in a time of uncertainty.
American Income Life Insurance Company
Date: 10/24/2022
Yolanda, thank you for reaching out to American Income Life and letting us know how we're doing! Although we're disappointed the claim process was not as efficient during your initial interaction we're glad you and your husband received the claim with courteous and timely service that you deserve and expect. We sincerely appreciate you choosing American Income Life and look forward to serving you again in the future!Review fromChris J
Date: 10/18/2022
1 starChris J
Date: 10/18/2022
Avoid ail at all costs. they refuse to contact in timely manner, refuse availability, lie and forge/modify agreements without consent. I never received any of my docs proving coverage they claim they took money and provided coverage but without proof. **************** is a joke and unhelpful at best. previous "agents" are unable to be contacted. I'm awaiting a full refund and currently in discussions with a lawyer over their fraud/theft and horrible service if they continue to be difficult.American Income Life Insurance Company
Date: 10/20/2022
*****, we sincerely apologize that your experience with AIL was less than you expected or deserved. We're disappointed that we've lost your trust and your business and want to resolve your situation as soon as possible but need more information. We invite you to either email us your name, policy number, reason for your inquiry, phone number and best time to contact you to ***@ailife.com or you can call our AIL Customer Service number is X-XXX-XXX-XXXX directly. We're sorry for the inconvenience this has caused you and look forward to hearing back from you soon.Review fromNick B
Date: 10/18/2022
1 starNick B
Date: 10/18/2022
If I could go negative with stars I would. Agent lied to my mother about canceling my sister's life policy. Sister wanted to cash it out/close it for bills. Since then they've been pulling out quarterly payments for this loan. Tried calling. On hold for over an hour when someone picks up to hang up the phone forcing me to call back again. Seeing as how there isn't an option to cancel your policy you must hit 3 to contact changes. Second time after fifteen minutes they pick up. My mother at this time had to run to the pharmacy. I jokingly said take your time I'll probably still be on hold. Omg they pick up. Give them policy number etc. Said I'm sure you'll have to talk with her. I'll call her to add to the call. That won't be except able sir. I've never heard of a company unable to do that. I've also never seen a company with a A+ rating from the bbb with as many negative reviews as I've just read.American Income Life Insurance Company
Date: 10/20/2022
****, we're very sorry that we didn't provide the service that you expect and deserve. This lack of service you experienced is unacceptable to us and if this cancelation issue is still unresolved please email us your name and details of your experience including your name, your sister's name, policy number, and the best number and time to reach you at ***@ailife.com or call us directly at our AIL Customer Service number X-XXX-XXX-XXXX. We're sorry for the inconvenience this has caused you and look forward to hearing from you soon.Review fromGuadalupe R
Date: 10/16/2022
1 starGuadalupe R
Date: 10/16/2022
An agent from this company called my husband saying she was a representative from my husband's union and scheduled a Zoom meeting call with **** ********* The day after this call, we realized they were a third-party company and have nothing to do with my husband's union. We've contacted their office @ *************, and called **** ******** to ask them to cancel the policy purchase and revoke authorization to withdraw money from our bank account. We even left a text message. We'll see how American Income Life Insurance handles this case.American Income Life Insurance Company
Date: 10/18/2022
********** we're sorry you weren't satisfied with the interaction you had with our AIL representative. We're sorry if you felt misled in any way regarding your union and will look into this situation. If this cancelation isn't completed in a timely manner please send us an email to ***@ailife.com with your name and policy details. We apologize for any inconvenience this caused you.Review fromEmy P
Date: 10/15/2022
1 starEmy P
Date: 10/15/2022
American Life Insurance employees don't do their job. I told them to cancel my policy because I don't want to pay anything anymore, but unfortunately they waited first that I got charged. Greedy!American Income Life Insurance Company
Date: 10/18/2022
**** we're very sorry that we didn't provide the service that you expect and deserve. This lack of service you experienced is unacceptable to us and if this cancelation issue is still unresolved please email us your name and details of your experience including your name, policy number, and the best number and time to reach you at ***@ailife.com or call us directly at our AIL Customer Service number X-XXX-XXX-XXXX. We're sorry for the inconvenience this has caused you and look forward to hearing from you soon.Review fromAnnette W
Date: 10/14/2022
5 starsAnnette W
Date: 10/14/2022
This company has been give the runaround for two months and counting!!! I call twice a week keep saying well mail out the 9/12/ 2022 its was to and old address its their fault when I mailed the paperwork it's the correct address on it I called back well they change your address mail it back out well I call they said you will have to call back on Friday to see when it will be mailed back out I am tried of this !!! They will always say call back on Friday you get different responses!! for different ones it's to hard trying to get that is old to you as of the 10/14/2022 still getting the runaround I have asked can I just come to pick-up it up they said no !!we have to mail it dosen't make sense .I see on here their are other people are going through What I am going throughAmerican Income Life Insurance Company
Date: 10/17/2022
*******, we're very sorry that we didn't provide the service you expect and deserve. If this issue is still unresolved, please either email us your name, policy number, reason for your inquiry, phone number and best time to contact you to ***@ailife.com or you can call our AIL Customer Service number at X-XXX-XXX-XXXX directly. We're sorry for the inconvenience this has caused you and look forward to hearing back from you soon.
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